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Federal student loan borrowers have the option of consolidating their loans via the Direct Consolidation Loan program offered by the U. That loan is then serviced by the servicer of your choosing – of which Nelnet is one! Consolidating allows you to merge multiple eligible loans into a single loan. You can consolidate all, just some, or even just one of your student loans.Consolidating federal student loans may be a good strategy to lower monthly payments or to get out of default, but it is not always a good idea.(To find out what type of loan you have, see Types of Federal Student Loans.) All borrowers with these loans are eligible to consolidate after they graduate, leave school, or drop below half-time enrollment.However, because consolidation loans have no grace period while you are in school or for the six months afterwards (unlike nonconsolidation loans, which usually do have a grace period during this time), getting a such a loan may not be a good idea if you are still in school or just graduated and don't yet have a job.

In fact, consolidation is one good way to get out of default.

As you weigh the pros and cons, keep in mind that timing is critical.

With just a few exceptions, you get only one chance to consolidate with the government loan programs.

Consolidating your federal loans through the Department of Education is free; steer clear of companies that charge fees to consolidate them for you.

When you consolidate federal loans, your new fixed interest rate will be the weighted average of your previous rates, rounded up to the next ⅛ of 1%.




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Here are 21 times our favorite female comedians said what we all needed to hear. The best way to make a difference in the world is to start by making a difference in your own life.” 18.


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I was walking in the countryside, and she was watching me from a mound of dirt in an old church yard where she had been dumped. But if I moved along on my own way, she’d follow me. It happens when I’m already open and my mind is receptive and quiet. Kind of a “Hmm, well, what if I tried this…”There is definitely a happiness to it. My theory is that when we cling to our vices, when we do unhealthy things that we adamantly say we , what we’re really trying to do is give ourselves what we keep denying ourselves – a fully creative and artful life. Typing on a keypad into a computer doesn’t always open up that tactile sense-loving part of us that loves to create. Finding feathers, finding pennies, the sound of big flags flapping in the wind, the smell of my cat’s fur when she’s been out in the snow (she smells like a big box of wool mittens). Pay attention to your hands as you slice the veggies. And have fun in the old method of actually getting your film developed and the excitement of flipping through photos you haven’t seen yet.16 – Make an event out of watching the full moon come up One of the things I love about my husband is that he’s always looking for the perfect place to watch the full moon come up. We pile in the car and go to this one field or to a bench on the college campus and sit and watch the moon rise.17 – Read poetry aloud Poetry is meant to be read aloud. The downtown of any city is bound to have some great galleries. Just experience the artistry of someone gifted in glass blowing or pottery or woodwork.20 – Write a letter When was the last time you wrote a letter? Not only is it more fun to make something for someone else, it’s also just a way to get out of yourself.21 – Stop watching television This is an important one. There are so many better things you can do than watch American Idol.


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